Effective July 31, 2008, Fremont Investment & Loan changed its name to Fremont Reorganizing Corporation.

Message to Our Customers

Retail Banking Customers

We are pleased to announce that effective Friday, July 25, 2008, CapitalSource Inc.(NYSE:CSE) has assumed all the deposit liabilities of Fremont Investment & Loan ("FIL") through its wholly-owned subsidiary, CapitalSource Bank. There are no changes to your accounts as a result of this transaction. The former FIL branches are now branches of CapitalSource Bank. Please visit the CapitalSource Bank website at www.capitalsourcebank.com or call CapitalSource Bank at 1-888-433-4CSB

Loan Servicing Customers

Most of the loans previously serviced by Fremont are now being serviced by Litton Loan Servicing LP ("Litton") as of July 2008. You should have received a letter from Fremont and Litton if your loan is now being serviced by Litton. For information concerning loans that are being serviced by Fremont Reorganizing Corporation click here. For additional contact information for loans now being serviced by Litton, click here.

Additional Contact Information

For Investor/Media Relations, REO Inquiries, Fremont General and Human Resources related contact information, click here.